 We have time for one more, and that's on estate planning. That came up in several questions, especially whether to have a trust or not have a trust. I mean, is that something you can help people sort out and alloy wealth? No question about it. We have an entire department devoted to estate planning. We only use flat fee attorneys. That means one thing. It's menu pricing. You go to the restaurant. They put a price on there. You know you want to pay it or you don't.